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Protect Yourself from Identity Thieves

The number of Americans who have experienced identity theft has surpassed 27 million, with the incidence rate increasing every year. Substantial measures are in place at Fidelity Bank to protect your identity and your accounts against theft and fraud.

Maximum security is possible only with your help. Here's what you can do to stop these crimes before they happen.
  1. Do not give out financial information such as checking and credit card numbers, or you Social Security number, unless you know the person or organization.
  2. Report lost or stolen checks immediately. Fidelity Bank will block payment on them.
  3. Notify Fidelity Bank of suspicious phone inquiries such as those asking for account information to 'verify a statement' or 'award a prize.'
  4. Closely guard your ATM Personal Identification Number (PIN) and ATM receipts.
  5. Shred any financial solicitations and bank statements before disposing of them.
  6. Put outgoing mail into a secure, official United States Postal Service collection box.
  7. If regular bills fail to reach you, call the company to find out why.
  8. If your bills include questionable items, don't ignore them. Investigate immediately to head off any possible fraud.
  9. Review your credit reports from the three major credit bureaus annually. You are entitled to a free credit report once a year. The contact information for each of the three credit bureaus is below.
  10. Safeguard your online banking password and change it every 90 days to ensure your protection.

Customer Authentication and Online Banking Alert:

Fidelity Bank will never call you or email you and ask for your Login ID or your password. Be cautious of anyone that calls or emails you and requests personal information such as your Social Security number, account numbers, Login ID or password. Identity theft schemes can appear very authentic. If you experience this situation, hang up or go to the company's web site directly and initiate contact to verify the validity of the contact. Never use a link that is embedded in the original email as cloning bank web sites is a known practice and is difficult to detect.

Credit Reports and the FACT Act:

Your individual credit report is one of the most important tools you have when accessing your financial health. Your credit report shows a summary of your overall financial reliability.

The Fair and Accurate Credit Transactions Act (FACT Act) makes it easier than ever to access your credit report and to catch and change any errors that could negatively impact your credit score or result in identity theft. The FACT Act assures you free access annually to your credit report from each of the three credit reporting agencies: Equifax, Experian, and TransUnion.

Another provision to help prevent identity theft is the National Fraud Alert System. Any consumer who reasonably suspects that he or she may have been the victim of identity theft, or who are military personnel on active duty away from home, can place an alert on their credit bureau files. This alert will put potential creditors on notice that they must proceed with caution when granting credit.

Credit Reporting Bureaus:

Equifax (www.equifax.com)
Place a fraud alert: 1-888-766-0008
Order a credit report: 1-800-685-1111

Experian (www.experian.com)
Place a fraud alert: 1-888-397-3742
Order a credit report: 1-888-397-3742

TransUnion (www.transunion.com)
Place a fraud alert: 1-800-680-7289
Order a credit report: 1-800-888-4213

If you feel you have been the victim of identity theft please take the following actions: www.ftc.gov/bcp/edu/microsites/idtheft